For those who’re prepared to start out your area property portfolio in Starfield, you may get a villa proper from the beginning. The Dream Dwelling trait, which you’ll be able to select throughout character creation, offers entry to a elaborate villa on a pleasant planet. Nevertheless, there are a number of caveats to think about earlier than diving headfirst into house possession.
To be sure to’re not caught out by any small print, we’ve lined the complete course of beneath, together with how the Dream Dwelling trait works, methods to discover your Dream Dwelling, and methods to pay it off, plus a breakdown on if the Dream Dwelling trait is value it.
How the Dream Dwelling Trait works
![A menu shows the Dream Home trait in Starfield character creation.](https://cdn.vox-cdn.com/thumbor/DTrnqlCZsVb99RZFqWbr-rH8B2E=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894573/dream_home_trait_starfield.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
When you’ve spent the customary few hours designing your avatar, you’ll want to choose some traits that may additional floor your character. The Dream Dwelling trait saddles you with a hefty debt from the get-go in return for speedy entry to the most effective properties within the recreation.
The debt we’re speaking about is a mortgage to the tune of 125,000 credit, which you’ll owe to Starfield’s intergalactic GalBank. To personal the home and use it freely, you’ll need to pay this debt off. Consider GalBank like a celestial Tom Nook who needs all the cash upfront. Nevertheless, particularly within the early recreation, incomes 125,000 credit is a tall order.
![A prompt directs the player to pay 500 credits to enter the Dream Home on Nesoi in Starfield.](https://cdn.vox-cdn.com/thumbor/IugpRsjkxdwNIqkFlxEI3y9YmB8=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894576/starfield_dream_home_payment.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
Alternatively, you possibly can pay 500 credit on a weekly foundation to get within the door earlier than settling the debt, although notably, these installments is not going to deduct something from the overall sum owed. Fortunately, not like an precise mortgage, for those who don’t pay, GalBank received’t evict you. You simply received’t be capable to get into the home with out paying a charge.
For those who can address paying 500 credit per week, there actually isn’t any stress to settle the debt instantly, or in any respect. As you push by the sport, you’ll choose up costlier loot to promote that’ll simply cowl the doorway charge, and ultimately, the mortgage itself. For those who want somewhat additional assist bringing house the bacon, although, we’ve a information on methods to earn credit quick that may assist enhance your funds within the early-game.
Is the Dream Dwelling Trait value it?
![The Dream Home home looms on the horizon at sunset in Nesoi in Starfield.](https://cdn.vox-cdn.com/thumbor/bZdm6QlyRnHHISqfZSOhiY4-myU=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894673/starfield_dream_home_trait.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
As is the case with most perks in most RPGs, the trait’s precise worth comes right down to how you propose to play. Your ought to be pushed by your intentions, whether or not you’re centered on cozy area residing or exploratory pirate pillaging. For somebody like me, who enjoys spending my time moseying by area — crafting, cooking and indulging in Starfield’s astro life-style — the Dream Dwelling trait was a sensible selection, even with the mountains of related debt.
Nevertheless, for those who’re extra eager on adventuring and don’t wish to be beholden to a monetary establishment, you might wish to keep away from taking the trait. You don’t want the Dream Dwelling trait to get a house, and can quickly get numerous choices. Plus, even with the Dream Dwelling, for those who’re a eager adventurer, you’ll doubtless construct outpost as you enterprise additional into area, and you might not see the profit.
The place to seek out the Dream Dwelling home
When you’re in the primary recreation with the Dream Dwelling trait, you’ll have to leap by a number of hoops to achieve entry to your new property. Primarily, you’ll have to finish the “One Small Step” most important story quest first, which frees you as much as discover the galaxy and search out your new digs.
![A map of Nesoi shows the Dream Home location in the Olympus system in Starfield.](https://cdn.vox-cdn.com/thumbor/R35t7Ye0ReZCfx0LdDse6NE7PQw=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894558/starfield_nesoi_dream_home.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
Your new house is positioned on Nesoi within the Olympus system, so hop in your ship, examine the Starmap, and grav-jump to that pocket of the galaxy. When you’ve discovered Nesoi throughout the system, you possibly can rotate across the planet till you discover the touchdown level referred to as “[Player Name] house.” Land there and ascend a small hill out of your ship, and also you’ll discover the Dream Dwelling home.
How you can repay your Dream Dwelling
![An explorer stands outside Galbank in New Atlantis in Starfield while trying to pay off the Dream Home trait.](https://cdn.vox-cdn.com/thumbor/FXri_jHSYhaY7uuX3TKpESrfeaI=/0x0:3840x2160/1200x0/filters:focal(0x0:3840x2160):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24894575/galbank_location_starfield.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
As we talked about, you’ll be paying 500 credit per week to make use of the area, which is taken on the entrance of the property.
For those who’re trying to settle the debt fully, although, you’ll have to make your approach again to New Atlantis. Within the Mast District, search out the native GalBank on the best way again to the spaceport. Right here, you’ll discover your mortgage dealer, Landry Hollifield, who will facilitate the daylight theft that’s paying off your private home.
It will probably take a number of nudges to get Landry speaking in the suitable path, so don’t fear if the Dream Dwelling possibility isn’t displaying up at first. If it’s inflicting you hassle, simply go away the interplay and strike up one other dialog till it triggers. The conversational possibility you’re on the lookout for is: “I wish to speak to you about my house on Nesoi.” After a number of extra exchanges, Landry gives you an choice to pay the debt in full.
![A GalBank employee sits in a chair in New Atlantis and stares at probably a spreadsheet or at least whatever passes for a spreadsheet in the 24th century in Starfield.](https://cdn.vox-cdn.com/thumbor/7JNn1_k-eEp-SeU_QO8I3xiPJmY=/0x0:2560x1440/1200x0/filters:focal(0x0:2560x1440):no_upscale()/cdn.vox-cdn.com/uploads/chorus_asset/file/24887875/starfield_get_credits.jpg)
Picture: Bethesda Recreation Studios/Bethesda Softworks through Polygon
For those who don’t wish to cope with the debt anymore, Landry additionally lets you realize it is possible for you to to foreclose on the home, nullifying the contract and subsequently the Dream Dwelling Trait. Watch out although, as for those who don’t take away all of the objects inside, they are going to default to the financial institution.
How you can embellish your Dream Dwelling
The dream house is naked bones to start with, boasting empty bedrooms, bogs and a cooking station. Even so, you possibly can craft loads of issues to fill the area, like numerous software benches, furnishings, weapon and garments shows and decorations. You possibly can entry this crafting menu through a small panel on the wall instantly in entrance of the doorway, or by activating your scanner and deciding on the embellish possibility. Keep in mind that you simply’ll want sources to craft particular decor, so that you may not be residing massive instantly. Within the meantime, although, it’s an excellent place to dump all of your junk!